Application to File Brief and Brief of Amici Curiae, Center for Responsible Lending, National Association of Consumer Advocates, Public Citizen, Inc., and Public Good Law Center in Support of Appellants


Book Description

Amicus Brief submitted to the California Supreme Court in De La Torre v CashCall Inc., 5 Cal.5th 966 (Cal. 2018): The Ninth Circuit has asked this Court whether the interest rate on consumer loans of $2,500 or more can render the loans unconscionable under section 22302 of the California Financial Code. The answer - with the proviso that any unconscionability determination must be made in the context of the terms and circumstances of the loans in question - is yes. . . .When the legislature removed the interest rate cap on loans above $2,500, it did not impliedly repeal the historic principle that courts may intervene where a contract or provision is unduly oppressive or unconscionable. Rather, the legislature recognized that the statute's unconscionability provision would remain a safeguard against the excesses of an unfettered free market. The doctrine of unconscionability, a “principle of equity applicable to all contracts generally,” applies to all provisions of all contracts. (See Graham v. Scissor-Tail, Inc. (1981) 28 Cal.3d 807, 820.) A loan's interest rate, whether governed by a statutory rate cap or not, is no exception. The incorporation of Civil Code section 1670.5 into Financial Code section 22302 evinces a clear legislative intent that courts should police the consumer credit market for unduly oppressive contract terms. The legislative mandate of Finance Code section 22302 is clear: where the market for consumer loans fails to produce socially tolerable terms, the courts may step in. The attributes of the loans at issue in this case - their relatively large size, the length of the repayment period and, notably, their high interest rates - provide ample foundation for a finding that the loans are in fact unconscionable. For the current proceeding, however, it is enough to say this: The interest rate on consumer loans of $2,500 or more can - in the context of the other terms and circumstances of the loans - render the loans unconscionable under section 22302 of the California Financial Code.










Tax Challenges Arising from Digitalisation – Interim Report 2018


Book Description

This interim report of the OECD/G20 Inclusive Framework on BEPS is a follow-up to the work delivered in 2015 under Action 1 of the BEPS Project on addressing the tax challenges of the digital economy. It sets out the Inclusive Framework’s agreed direction of work on digitalisation and the international tax rules through to 2020. It describes how digitalisation is also affecting other areas of the tax system, providing tax authorities with new tools that are translating into improvements in taxpayer services, improving the efficiency of tax collection and detecting tax evasion.







Social Media as a Tool of Political Communication


Book Description

Essay from the year 2015 in the subject Communications - Media and Politics, Politic Communications, grade: NA, , language: English, abstract: Since the US elections in 2008 the close connection between Social Media and political communication has been brought to the fore. The effective role that Social Media has been made to play once again in the 2012 US elections and its conscious or unconscious replication in the 2014 Indian elections reaffirmed its significance in contemporary political communication. Scholars have confirmed that political candidates are increasingly turning to Social Network Sites (SNS) to persuade voters and that these sites have become prominent sources of political information. Political Communication as a field of study has been about the role of communication in the political process. This paper would like to focus entirely on Social Media as a tool in the political process. Political communication has its beginnings during and between the World Wars. There are various types of political communication and political media. Among the political media the Social Media seems to be the most widely used in contemporary political process. The three main elements of political communication are: ideology, propaganda and persuasion. The deployment of Social Media in putting forth one’s or party’s ideology, propagating one’s or party’s agenda, and persuading the voter is widespread as never before. Many scholars including Walter Lippmann doubted the efficacy of media in public enlightenment that democracy requires. For, they thought that media cannot tell the truth objectively. Harold Lasswell too took note of the tendency of media propaganda to dupe and degrade the voters. His work expressed the fear of propaganda. This view was partly based on the direct effects theories of media. Similar fear about the Social Media is lurking in the minds of many today. To camouflage such fear political spin doctors might employ political Public Relations. Political spin doctors are press agents or publicists employed to promote favourable interpretations to journalists. They also weave reports of factual events into palatable stories. The case for political public relations is that it enables paternalism, pluralism, and pragmatism. But there is also a case against it in that it leads to news management and spin, corporatism in politics, and ‘enlightened self-interest’. The increasing availability of internet even in remote parts of the world has made Social Media a virtual public sphere enabling e-democracy.




The Big Connect


Book Description

Are digital means of communication better than traditional bhaashans and processions? Will a social media revolution coerce armchair opinion makers to head to poll booths? Twitter, Facebook, and LinkedIn are changing the way the denizens of the world, and more specifically youth of this country, communicate and connect. In The Big Connect, Shaili Chopra traces the advent of social media in India and how politics and lobbying has now shifted to the virtual floor. She argues that though a post, a pin, or a tweet may not translate into a vote, it can definitely influence it. With comparisons to the Obama campaign of 2008 and 2012 and analysis of the social media campaigns of political bigwigs like Narendra Modi, Rahul Gandhi, and Arvind Kejriwal—the book discusses the role of a digital community in Indian politics.







Mass Communication in India, Fifth Edition


Book Description

Third Completely Revised and Updated EditionMass Communication in India is a result of the author s in-depth study and understanding of the media. The book deals with a general introduction to Communication Theory, Advertising, Television, Effects of Media and Development. In short, the book is designed to give the student of Mass Communication a general and comprehensive view of the modern and traditional media in India. It meets the objective of being a text book as well as a book that gives an overview of mass communication in India.